--Apple-Mail=_044BC32A-453D-4BDC-8AD9-ED68D33DC23A Content-Transfer-Encoding: quoted-printable Content-Type: text/plain; charset=utf-8 Regarding tail insurance, my broker is saying that no one is offering = twenty four month policies anymore. My best estimate is to take my = renewal which is due in August and project a 10% increase. This would = project about $5000 for two years. For your second question, he said we fall under general liability. Tim Thomas Home Care Assistance (Montr=C3=A9al) Tel: 514.907.5065 tthomas@homecareassistance.com | = Homecareassistancemontreal.ca = > On Aug 10, 2020, at 11:02 AM, Michael Gaon wrote: >=20 > Ok, thanks. Please inquire with this broker about pricing for 24 = months of tail insurance coverage for your errors and omissions policy, = as it appears that you will need this. I believe that this policy would = cover claims for damages arising from the services rendered by your = employees. =20 >=20 > I am not sure how your directors' and officers=E2=80=99 policy works = in terms of claims vs. occurrence. Would you mind asking your broker as = to the terms of this policy? =20 >=20 >=20 >> Michael Gaon >> Associ=C3=A9 / Partner >> 514-878-2861 ext. 115 >> mgaon@kklex.com >> ______________________________ >> Kugler Kandestin, SENCRL / LLP >> Avocats =E2=80=A2 Lawyers >> 1, Place Ville-Marie, Suite 1170 >> Montr=C3=A9al, Qu=C3=A9bec, Canada >> H3B 2A7 >> T=C3=A9l. : (514) 878-2861 >> Fax : (514) 875-8424 >> www.kugler-kandestin.com >> =20 >=20 >=20 >> On Aug 10, 2020, at 10:40 AM, Tim Thomas = wrote: >>=20 >> =EF=BB=BF Hi Michael, >>=20 >> Please see the response below from my insurance provider. >>=20 >>=20 >> Tim Thomas >> Home Care Assistance (Montr=C3=A9al) >> Tel: 514.907.5065 >> tthomas@homecareassistance.com >> | >> Homecareassistancemontreal.ca = >>=20 >>=20 >>=20 >>=20 >>=20 >>> Begin forwarded message: >>>=20 >>> From: Pascal Libersan > >>> Subject: RE: Question >>> Date: August 10, 2020 at 10:20:10 AM EDT >>> To: 'Tim Thomas' > >>>=20 >>> Hi Mr. Thomas >>> =20 >>> For the insurance policy for content and general liability (Intact = 375-7309) , its on occurrence. >>> For the Errors and Omissions (Intact 375-7208) its claims >>> =20 >>> If you have any question, please call me. >>> =20 >>> =20 >>> =20 >>> >>> =20 >>> De : Tim Thomas >=20 >>> Envoy=C3=A9 : 7 ao=C3=BBt 2020 08:55 >>> =C3=80 : Pascal Libersan > >>> Objet : Question >>> =20 >>> Hi Pascal, >>> =20 >>> My lawyer is asking me if my liability insurance is an = =E2=80=9Coccurrence=E2=80=9D policy or a =E2=80=9Cclaims=E2=80=9D = policy.=20 >>> Can you tell me? >>> =20 >>> Thanks. >>>=20 >>> Tim Thomas >>> Home Care Assistance (Montr=C3=A9al) >>> Tel: 514.907.5065 >>> tthomas@homecareassistance.com=C2=A0 = | Homecareassistancemontreal.ca = > --Apple-Mail=_044BC32A-453D-4BDC-8AD9-ED68D33DC23A Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset=utf-8 Regarding tail insurance, my broker is saying that no one is = offering twenty